20835 Harlequin LnCallawayMD20620
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20835 Harlequin Ln, Callaway, MD, 20620 in Callaway deserves attention. This $265,000 property earns $2,467/mo in rent, a 11.17% gross yield, and nets $790/mo after the $1,192/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $73,215 compounds alongside $2,441/yr in yearly equity build, for a total cumulative return of $153,187.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $790 | $1,200 |
City averages based on Callaway market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,467 |
| Total Monthly Debt Service | $1,543 |
| DSCR Ratio | 1.60x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1988
2,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20620, Callaway, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 683 (100%) |
| Owner Occupied HU | 454 (66.5%) |
| Renter Occupied HU | 193 (28.3%) |
| Vacant Housing Units | 36 ( 5.3%) |
| Median Home Value | $458,824 |
| Average Home Value | $491,344 |
Housing Distribution
Address Breakdown
Residential
464
Single Family
464
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 1988
2,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20620, Callaway, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 683 (100%) |
| Owner Occupied HU | 454 (66.5%) |
| Renter Occupied HU | 193 (28.3%) |
| Vacant Housing Units | 36 ( 5.3%) |
| Median Home Value | $458,824 |
| Average Home Value | $491,344 |
Housing Distribution
Address Breakdown
Residential
464
Single Family
464
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices